i'm susan harman, i'm representing the friends of the public bank of oakland. you have mentioned us several times. i'm really just here to support this effort, although i've chauvinistic about oakland and i want us to be first, any progress, anywhere, helps progress everywhere. so we are totally in support of the public bank of san francisco. you haven't mentioned student loans as one of the things the bank could help with. the bank of north dakota has been very constructive with student, offering refinancing and lower interest on student loans and bank of san francisco could certainly do that. i want to caution you about making it an infrastructure bank because that is really a revolving loan fund and that's not what we want to do. you already mentioned collateralization, that solves that problem. there will always be attention between mission and profitability of a business. we know that and we just have to construct a board that is aware of that and takes that into account. in oakland we are working hard on a governance plan and as soon as that's finished, w